Effective Date: 5/20/2026

These Terms & Conditions (“Terms”) govern your use of this website and any services provided by True North Wealth Solutions.

By accessing this website or providing your contact information, you agree to these Terms.

1. Company Information

True North Wealth Solutions provides retirement planning and financial advisory-related services.

Securities are offered through Van Clemens & Co., member FINRA/SIPC. Advisory services are offered through Van Clemens Wealth Management, a Registered Investment Advisor. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from True North Wealth Solutions.

Certain life, disability, and annuity products may be offered through Van Clemens Insurance Services LLC.

Insurance products are not securities and are not offered through Van Clemens & Co.

Please include all applicable insurance license numbers where required.

2. No Investment Advice

Information provided on this website is for informational purposes only and should not be construed as investment, tax, legal, or insurance advice. You should consult with appropriate professionals before making financial decisions.

3. Website Use

You agree to use this website for lawful purposes only. You may not use this website in any way that could damage, disable, or impair its functionality.

4. SMS / Text Messaging Terms

By providing your phone number and opting in, you consent to receive informational text messages from True North Wealth Solutions.

Description of SMS Use Cases

Text messages may include:

• Appointment confirmations and reminders
• Seminar or event reminders
• Service updates
• Account-related notifications
• Follow-up communications
• Client support communications

Text messaging is used for informational and customer service purposes. We do not send unsolicited marketing text messages.

Message Frequency

Message frequency varies based on your interaction with our services.

Message & Data Rates

Message and data rates may apply according to your mobile carrier plan.

Opt-Out Instructions

You may opt out at any time by replying STOP to any message. After you send STOP, you will receive a confirmation message and no further messages will be sent unless you opt back in.

For assistance, reply HELP or contact us at:

Phone: (612) 758-9167
Email: brendan@truenorthwealthsolutions.com

Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier and is not guaranteed.

Age Restriction

You must be at least 18 years old to consent to receive SMS communications from True North Wealth Solutions.

5. Privacy

Your use of this website and our services is also governed by our Privacy Policy. Your mobile information will not be sold, rented, or shared with third parties for marketing purposes.

6. Limitation of Liability

True North Wealth Solutions and its affiliated entities shall not be liable for any damages arising from the use of this website or communication services, including SMS communications.

7. Changes to Terms

We reserve the right to update these Terms at any time. Updates will be posted on this page with a revised effective date.

DESIGN / LAYOUT NOTES FOR THE DESIGNER

• This should be created as a standalone Terms & Conditions page linked in the website footer.
• Please keep formatting clean and highly readable.
• Use clear section headings and spacing throughout.
• Ensure mobile responsiveness and readability.
• Match the overall modern and professional design style of the website.